Charter stopped appearing in NCUA call reports — usually a merger; NCUA doesn't publish the acquirer in this data. Figures below are from its last filing. All recent changes →
No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q3 2025 | $1.5M | $1.4M | $722K | $125K | $-49K | -4.35% | 4.84% | 2.97% | 588 |
| Q2 2025 | $1.8M | $1.6M | $776K | $174K | $845 | 0.10% | 4.43% | 2.03% | 642 |
| Q1 2025 | $1.9M | $1.7M | $834K | $172K | $-2K | -0.40% | 3.67% | 2.07% | 669 |
| Q4 2024 | $1.9M | $1.7M | $828K | $173K | $5K | 0.24% | 4.22% | 2.60% | 686 |
| Q3 2024 | $2.0M | $1.8M | $924K | $170K | $1K | 0.08% | 3.80% | 3.26% | 690 |
| Q2 2024 | $2.0M | $1.9M | $956K | $171K | $2K | 0.21% | 3.79% | 3.76% | 706 |
Loan mix (Q3 2025): real estate $0 · commercial $0 · consumer $606K · securities $548K
Nothing unusual in — — steady quarter.
| Ratio | Homewood | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.35% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -51.8% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.84% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 185.7% |
Peer lists, growth filters, CSV export, CRM push.
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Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Homewood | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Homewood | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Homewood | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Homewood | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.